Scrooge's Little Women: An Inheritance
I recognized Bob Cratchit's abilities almost as soon as he started working for me. My genius was loaning money to good businesses that would not be able to pay back. I would then take over the bankruptcy, fix the previous owners incompetency, and then sell it for a huge profit. Marley had the same skills. Bob's skill was recognizing highly effective owners who could build their business into giants. For them, we would only take a silent partnership and let the profits build. Of course I never let Bob know that he had any skill at all. Otherwise he might want a raise. Worse, he might go out on his own, and compete with me.
The situation changed when my cousin Bob March died from his wounds shortly after their civil war ended. I always considered March to be a self-righteous wimp. His dying however redeemed him in my heart. The delightful law was that the closest male relative inherited. Since he had no male heir, I now owned all his property, and the livelihood of all his women was in my control. Since I understood that I could expand my business and make more money in New England than old England, I would move into my inherited house. I had no doubt that my business would prosper with Cratchit running it, but I wanted him to think that his promotion was because of my benevolence, not his skill. Thus, I created the ghost humbug.